LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,441
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,818
−HK$2,416/mo
Today · 4.125%
HK$81,234
baseline
▲ 0.50% · 4.625%
HK$86,177
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,468/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,039
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,320
−HK$2,314/mo
Today · 4.125%
HK$89,634
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$4,724/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,268/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,729
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,582
−HK$2,899/mo
Today · 4.125%
HK$97,481
baseline
▲ 0.50% · 4.625%
HK$103,412
+HK$5,931/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$194,962/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,047
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,784
−HK$2,776/mo
Today · 4.125%
HK$107,560
baseline
▲ 0.50% · 4.625%
HK$113,230
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.11M · min. income ≈ HK$215,120/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,017
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,346
−HK$3,382/mo
Today · 4.125%
HK$113,728
baseline
▲ 0.50% · 4.625%
HK$120,648
+HK$6,920/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,456/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,055
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,248
−HK$3,239/mo
Today · 4.125%
HK$125,487
baseline
▲ 0.50% · 4.625%
HK$132,102
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,974/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,593
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,873
−HK$4,348/mo
Today · 4.125%
HK$146,221
baseline
▲ 0.50% · 4.625%
HK$155,118
+HK$8,897/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,442/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,071
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,176
−HK$4,165/mo
Today · 4.125%
HK$161,341
baseline
▲ 0.50% · 4.625%
HK$169,845
+HK$8,504/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,682/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,718 · Scale 2, in force from 26 Feb 2026)